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| − | You may feel like you have been wronged. You may have gone through bad life experiences or made simple mistakes, and a poor credit score can remind you of that bad time, making it hard to move forward. You can repair your credit by following these tips.
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| − | Officially dispute any errors you find on your credit reports. Draft a dispute letter that will go to each credit rating agency that shows an error, and prepare any supporting documents. Make sure that you send the letter via recorded delivery, so that you can prove that the credit agency receives it.
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| − | Opening up an installment account will help you get a better credit score and make it easier for you to live. Make sure that you are able to afford the payments on any installment accounts that you open. Your FICO score will rise over time, if you responsibly manage this type of account.
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| − | [http://throatbass97.xanga.com/772448589/are-you-in-a-tough-financial-situation-think-about-credit-repair/ Credit Can Be Your Best Friend: Easy Repair Tips!] If you want to fix your credit avoid companies claiming they can remove all of your issues, even those properly reported. These bad marks stay on your record for seven years or more. However, if there is incorrect information, you can have it cleared up easily by yourself.
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| − | Stay in touch with credit card companies if you wish to repair your score. This will keep you from increasing the amount of debt that you have. Call them and see if you can change the payment terms. They may be willing to change the actual payment or move the due date.
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| − | Financing a home can be difficult if you have bad credit. FHA loans might be a good option to consider in these circumstances, as they are backed by our federal government. FHA loans can even work when someone lacks the funds for down payment or closing costs.
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| − | If you want to increase your credit score, apply for a new loan and pay the balance off quickly. A new, positive credit account can help you to rewrite your credit report.
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| − | Be wary of credit repair scams that can get you in legal trouble. There are schemes online that will show you how to establish an additional credit file. This is illegal and you will most certainly get caught. You may end up in jail if you are not careful.
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| − | Credit card usage should be eliminated. Pay for everything with cold, hard cash. If you absolutely have no other choice but to use a credit card, pay off the balance in full as soon as possible.
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| − | If at all possible, avoid filing bankruptcy. Bankruptcies appear on credit reports for ten years. It sounds very appealing to clear out your debt but in the long run you're just hurting yourself. Most lenders will be hesitant to work with you in the future when a bankruptcy shows on your credit report.
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| − | Repairing your credit will require you to spend a lot of money with monthly payment plans. Figure out what you can afford ahead of time, and do not commit to more than that. You will only worsen your situation if you make promises you can't keep. The fleeting relief that you'll get by temporarily getting the creditors to stop hounding you will not be worth it.
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| − | Having read these simple tips, the only thing left now is to apply them. The time you invest educating yourself regarding credit repair is worth every minute.
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